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no investment thesis: personal tax/retirement account allocation question
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I was working on my taxes and i realized something crazy. Houshold income approx 230k.
Both of us contributed below for 2025. we are maxing out in 2026 and going forward mostly.
1. Trad 401k - 13k + 13k
2. Roth 401k - 8k + 8k
when i was doing taxes i owe approximately 3000$, So i was playing aournd with W2 numbers in tax software and realized that if i would have just made that 16k to trad 401k, i am getting a 2k refund. So thats like a 5k savings.
My thought process for roth 401k is i might take one lump sum like 100k when i retire. But it seems like i may be doing it wrong. Any advice will help.
BTW we also having ROTH IRA and max out last 3 years. So should we just max out my Trad 401k and keep it simple?